Call reports 2007
WISCONSIN RIVER BANK — 2007
What WISCONSIN RIVER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 50,135,000 | 55,185,000 | 61,145,000 | 64,593,000 |
| Total loans | 38,153,000 | 44,325,000 | 49,183,000 | 52,530,000 |
| Allowance for loan losses | 490,000 | 530,000 | 615,000 | 635,000 |
| Securities available for sale | 8,707,000 | 8,662,000 | 9,063,000 | 9,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,558,000 | 43,750,000 | 51,422,000 | 52,798,000 |
| Interest-bearing deposits | 35,807,000 | 37,587,000 | 44,462,000 | 44,919,000 |
| Noninterest-bearing deposits | 6,751,000 | 6,163,000 | 6,960,000 | 7,879,000 |
| Equity capital | 5,623,000 | 5,584,000 | 5,782,000 | 5,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 878,000 | 1,810,000 | 2,897,000 | 4,024,000 |
| Interest expense | 400,000 | 820,000 | 1,326,000 | 1,883,000 |
| Net interest income | 478,000 | 990,000 | 1,571,000 | 2,141,000 |
| Noninterest income | 66,000 | 138,000 | 205,000 | 274,000 |
| Noninterest expense | 389,000 | 824,000 | 1,292,000 | 1,809,000 |
| Provision for loan losses | 0 | 64,000 | 132,000 | 152,000 |
| Pretax income | 155,000 | 240,000 | 352,000 | 454,000 |
| Income tax | 49,000 | 65,000 | 95,000 | 122,000 |
| Net income | 106,000 | 175,000 | 257,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,670,000 | 5,739,000 | 5,821,000 | 5,896,000 |
| Total capital | 6,160,000 | 6,269,000 | 6,436,000 | 6,531,000 |
| Risk-weighted assets | 39,627,000 | 45,971,000 | 51,921,000 | 54,109,000 |
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